I'm in a dilemma folks & after some advice from other owners that have recently extended there warranty in last 6months or so.

I've had sapphies renewal invitation through as due end of this month & I'm in a right quandry what to do.

The two lower levels seems pretty pointless to me as most of the very common probs like timing chain etc arnt covered

The band I'm looking at is the comprehensive but at nearlly £70 a month that's a hell of a lot of wonga to b falking out for the 'nest egg'

My other worry is getting that's not covered or that's wear & tear so waste of ££ & with the dealers I have round here I can pretty much guarantee that's what they'd try on.

I know there's other alternatives but as I have no trustworthy specialists or independents I can trust with my pride & joy.
Then there's my usual prob of being a young female & posh looking mini = mug!!
I get it pretty much everywhere I go so this is a massive headache as well.

Personally I wouldn't bother. £70 a month is proper steep. You would surely be better off putting that money away in a seperate account and you will soon have enough money to fix any potential issues that might arise.

Correct me if I'm wrong but I didn't think the N18 LCI engine suffered with the timing chain tensioner issue?

With only 15k on the clock I think you would be throwing money away personally, but obviously people do like to have the peace of mind.

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Personally I wouldn't bother. £70 a month is proper steep. You would surely be better off putting that money away in a seperate account and you will soon have enough money to fix any potential issues that might arise.

Correct me if I'm wrong but I didn't think the N18 LCI engine suffered with the timing chain tensioner issue?

With only 15k on the clock I think you would be throwing money away personally, but obviously people do like to have the peace of mind.

Exac that's what I thought it's a lot of money for something im not sure if I'll need or not as touch wood I've only had cosmetic things & a timing chain

Mines a n14 it was 2012 the n18 came out

That's the other thing she's low mileage but unfort a lot of it is mainly short journeys but I make sure she has a good blast on the motorway or more spirited drive twice a week.

I'm one of those that considers extended warranties 'snake oil'. Like Las Vegas there are occasional big winners but in the end the house wins. If a part makes it thru infancy it's a good bet it was not a faulty part and also it can be assumed that it was installed properly. If you maintain your car properly and drive it properly luck should be on your side. If you beat on your car that's a different matter.

Albeit a couple of years back, I had the extended warranty. What is covered has since changed and devalued the warranty as a result - decoking is no longer covered but used to be for example. Its worth checking what is covered against what is common with the r56 to go wrong - that test should make it a simple choice on whether to go for the warranty not, especially if you consider the costs of getting those done privately cf the total cost of the warranty.

I would do as suggested above and put the cash away in an account ready to be used if it is needed. Yours is very low miles so one would hope it will be ok and not need too much attention.

As it's purely cosmetic things like airbag cover mini badge scratched, handbrake release broke twice & badges that I've had our my mabufactures warranty would things like still b covered the same for paid warranty or would they b more strict on paid then free?

Really tempted just for the reassurance & the hassle of finding an independent with my experiences with garages but this ain't covered wear & tear saying coming out more now. So waste of my hard earned cash.

Albeit a couple of years back, I had the extended warranty. What is covered has since changed and devalued the warranty as a result - decoking is no longer covered but used to be for example. Its worth checking what is covered against what is common with the r56 to go wrong - that test should make it a simple choice on whether to go for the warranty not, especially if you consider the costs of getting those done privately cf the total cost of the warranty.

I would do as suggested above and put the cash away in an account ready to be used if it is needed. Yours is very low miles so one would hope it will be ok and not need too much attention.

That's what I mean It must b pretty recent as I said mate has a 11 JCW so just over 9months older than mine. He got in when it was covered & as I said paying I think just under or just over £40 which I thought ok I'll do for that.

Now the details I've got 95% of the common probs arnt covered by the cheaper choice it's the top one that has no mention but all say the wear & tear clause so that's keeps niggling in bck of my mind. As this hasn't been mentioned in the little I've had out of my manufactured warranty so far.
£70 is a lot more than I want to pay for something I may b wasting my ££ on

As it's purely cosmetic things like airbag cover mini badge scratched, handbrake release broke twice & badges that I've had our my mabufactures warranty would things like still b covered the same for paid warranty or would they b more strict on paid then free?

Really tempted just for the reassurance & the hassle of finding an independent with my experiences with garages but this ain't covered wear & tear saying coming out more now. So waste of my hard earned cash.

Owwwww what to do what to do - so confused

A little hard to read what you're actually asking here but if I've interpreted correctly:

- insured warranty isn't as comprehensive as manufacturers warranty

- scratches and the like on badges would be classed as wear and tear and not covered under the extended warranty

- there are site sponsors who would be good places to take your car to. Sometimes they aren't right on your doorstep but are worth the drive - I used to take my mini to 1320 and they were a 1.5 hour drive in each direction

- the insured warranty you are being offered would involve an insurance company so they would be very picky and try to get out of any 'claim'. With this in mind they may only cover certain elements of work or allow investigative work to go so far before you would have to pay. For example, pay an hours labour to check what something is but that's it - if it takes longer to find you have to cover it and if when they find it its not covered, you would have to pay for the repair then (or pay for them to return the car to a driveable state for you to take it elsewhere). Depending on what the issue is, this could open you up to significant risk of abortive work....

£70 a month is £840 for a years cover. If you have nothing go wrong that is a huge waste - put that in your bank instead and you have a nice little fund for peace of mind... the best thing is that if you don't end up using it, after two years (when you may be looking to replace your motor??) you would have an extra ~£1700 deposit towards your next car, even before you consider partex prices etc... even if you use some of it here and there, it would still be money available to you rather than given to mini.

If it were me, I would be setting up a 'Car Fund' account and making payments to that every month instead. After 6 months you could take it to Lohen (say) and get them to give it a look over and perhaps do a walnut decoke (if required) and that would keep it ticking over nicely (coking seems to be the cause of most issues on the r56 so doing this would keep right on top of it) - probably wouldn't even cost as much as the full £420 you've put away (ie the £70 x 6 months) for the 6 months either...